How we got Aimee's mortgage approved!

Buying a first home had been a priority for us for some time, and I’d been furiously saving for a deposit. Maxing out my Help-to-Buy ISA and putting extra into a savings account by doing extra shifts. My partner and I even moved in with parents for a while to cut out as many costs as possible.

There was a nagging issue in my mind, though. My partner had a history of debt and bad credit and this was affecting our ability to go to a high street lender or even include him on the mortgage altogether.

We wanted a three-bed property in Hartlepool and played around with some affordability calculators online to see whether I could get the mortgage just in my name, but with a car on finance and a single income it wasn’t clear. I needed advice.

Online Mortgage Advisor grabbed my attention after seeing loads of great reviews about how they have helped people in similar circumstances to us, particularly those with bad credit. I filled out a form to speak to an advisor and that’s exactly what happened.

I was a bit nervous about annoying them with all of my questions, but they were great and gave me all the information I needed. They told me I would be able to borrow just in my name but would need more deposit, which gave me my focus for the next 12 months.

After I’d saved the extra funds, I returned to Online Mortgage Advisor with my updated deposit amount, knowing what I needed this time. I was allocated a different broker but they were equally fantastic. I didn’t have to lift a finger and, before I knew it, was offered two mortgage lenders to choose from. 

Knowing that I wanted to add my partner to the mortgage when his debts had been paid, they even sorted me a two-year fixed deal, and said we could come back to them when that expired to switch to a joint mortgage.

We’ve now got our three-bed semi-detached house and couldn’t have done it without the continued support of Online Mortgage Advisor and their network of experts.